Best way would be to use the option of paying through points while making online payment.
Here’s how to do it:
On any online transaction, when you land on the page where you are required to enter otp, there’s a check box that can be selected to make that payment via points.
When you check that box, you ll see the value of your points in inr. So when you go for this option, the payment will be first deducted form your cc and then 2-4 days later you will see a credit against points redemption.
P.S. : there’s a redemption fee of inr 117/- per redemption so try to redeem all points in 1 or 2 transactions only to avoid paying redemption fee for every small little transaction.
Hope this helps